Car accident insurance claim – will I get a hire car?


If you have been involved in a car accident and your car is now un-roadworthy, the first thing you are likely to need is a temporary replacement hire-car or courtesy vehicle.

Not all insurance policies include a hire car or courtesy car 'as standard' and even if it does, you need to be aware that there may be limitations on the type of vehicle you are provided with and/or limitations on the amount of time you can use the vehicle for.

If you do not have a replacement vehicle on your policy or it is just not suitable, you can alternatively make your accident claim independently of your insurer as long as you were not at-fault for the accident. To discuss all your options call us 02392 484 244 and we will be happy to help.


Get the type of hire-car you need, without a claim on your insurance

The key advantage of making your accident claim independently of your insurer, is the fact that the assistance you receive is not restricted by the terms of your insurance policy.

In addition to this, by not claiming on your policy you will not have to pay any excess and your annual renewal premiums should not be affected by your independent claim.


Can you help me make an independent claim and get a suitable replacement hire-car?

Our independent claims assistance enables you to get your vehicle repaired, provide you with a suitable replacement vehicle and arrange legal assistance.


An alternative to a claim on your own insurance

Costs and charges for the services we provide are recovered directly from the at-fault driver's insurer on your behalf.


Can you assist with my entire accident claim?

We independently help thousands of motorists every year resolve all their accident related issues.

Our complete claims service provides the following assistance:

  • A like-for-like replacement vehicle that will be delivered to your home or place of work within 3 hours of starting your claim

  • Repairs to your vehicle will be carried out at an approved accident repair centre in your area

  • Your vehicle repairs can also be carried out at a repair centre of your own choice, if you have a preference

  • We can arrange legal assistance with accident related issues such as lost earnings, damaged possessions and claims for compensation

  • A 24/7 claim helpline is available throughout the claims process


To find out more, please call 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury